Call reports 2004
JAMES POLK STONE COMMUNITY BANK — 2004
What JAMES POLK STONE COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 103,328,000 | 102,429,000 | 103,557,000 | 115,550,000 |
| Total loans | 43,448,000 | 47,079,000 | 50,318,000 | 52,769,000 |
| Allowance for loan losses | 439,000 | 409,000 | 388,000 | 380,000 |
| Securities available for sale | 11,811,000 | 17,406,000 | 17,090,000 | 16,114,000 |
| Securities held to maturity | 15,152,000 | 14,137,000 | 12,627,000 | 12,514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,883,000 | 87,909,000 | 89,376,000 | 101,533,000 |
| Interest-bearing deposits | 65,165,000 | 63,611,000 | 64,901,000 | 70,908,000 |
| Noninterest-bearing deposits | 23,718,000 | 24,298,000 | 24,474,000 | 30,625,000 |
| Equity capital | 10,118,000 | 9,665,000 | 10,058,000 | 10,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,279,000 | 2,632,000 | 4,061,000 | 5,457,000 |
| Interest expense | 175,000 | 345,000 | 530,000 | 710,000 |
| Net interest income | 1,104,000 | 2,287,000 | 3,531,000 | 4,747,000 |
| Noninterest income | 308,000 | 580,000 | 894,000 | 1,253,000 |
| Noninterest expense | 1,215,000 | 2,583,000 | 3,909,000 | 5,343,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 40,000 |
| Pretax income | 197,000 | 284,000 | 506,000 | 617,000 |
| Income tax | 0 | 0 | -2,000 | -2,000 |
| Net income | 197,000 | 284,000 | 508,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,507,000 | 9,435,000 | 9,644,000 | 9,755,000 |
| Total capital | 9,946,000 | 9,844,000 | 10,032,000 | 10,135,000 |
| Risk-weighted assets | 51,951,000 | 54,116,000 | 56,745,000 | 60,832,000 |
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